NO FEE GUARANTEE

Disability Representation For Your Disability Claim

727-894-3188

Call Us For Free Consultation Now

Search
 

Blog

The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next?

The long term disability/ERISA carrier has decided to pay my long term disability benefits. What happens next? Awesome! Make sure the long term disability insurance company is paying you the right amount of long term disability benefits, not taking any improper deductions, and is paying you any back benefits that you are owed. If you have any questions about whether you are getting the right amount of long term disability benefits or have questions about any deductions by the long term disability insurance company, contact St. Petersburg/Tampa disability lawyer Nancy Cavey by clicking the link...

Continue reading

What is Work Experience in Your Social Security Disability Claim?

What: Work Experience in Your Social Security Disability Claim The Social Security Administration classifies work as unskilled, semi-skilled and skilled work. This is important at hurtle 5 of the sequential evaluation process when the Social Security Administration is trying to determine whether or not you have work skills from your jobs that are transferable to other employment. It is important that you accurately set forth the nature of the skills that you learned in each of your jobs. An unskilled work is work that can be learned in thirty days or less. Every other...

Continue reading

Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits?

Should I continue to pay the premium for long term disability coverage if I am awarded my long term disability benefits? Most long term disability policies have a provision that says if you are granted your long term disability benefits, your premium for continuing long term disability coverage is waived and you don't have to pay. This is called a "waiver of premium" clause and you need to check your policy to see if you have that provision in your long term disability/ERISA policy. Disability lawer Nancy Cavey can help you read and understand your long...

Continue reading

Medical Vocational Guidelines and Transferable Skills | Social Security Disability Claims

What: Medical Vocational Guidelines The Social Security Administration uses a grid process to determine whether or not your skills transfer to a job within your physical abilities that exist in significant numbers in the mythical national economy. For example if you are 50 years or older and are limited to sedentary work you will win or lose your Social Security Disability case based on whether or not you have transferable skills to sedentary. On the other hand, if you are 55 years or older then the rule extends to light work. You will win or...

Continue reading

I am reducing my hours at work and wonder when should I apply for long term disability benefits?

I am reducing my hours at work and wonder when should I apply for long term disability benefits? Every disability policy has what is called an "elimination period" and "notice" provision and, to answer that question, you need to get your policy and look at those provisions. Some policies say you have to give notice of claim when you start reducing your hours and others say you can wait. There is no standard disability policy! Nancy Cavey, an experienced long term disability lawyer based in the Tampa Bay area, can hlep you understand your policy...

Continue reading

What happens after I file my claim for disabilty insurance with my long term disability insurance carrier?

What happens after I file my claim for disabilty insurance with my long term disability insurance carrier? After you have filed your initial claim for disability benefits, the disability insurance carrier will contact you by phone or in writing to acknowledge they have gotten your claim. If you are called by the carrier, do not give a statement or answer any questions. You might get confused by the disability adjuster's questions or give the wrong answer that can damage your long term disability claim. At Cavey and Barrett, we suggest that you have your...

Continue reading

Spinal Cord Injury? Your Rights to Social Security Disability Benefits

Unfortunately, spinal injuries can occur as a result of auto accidents, truck accidents, motorcycle accidents, falls from scaffolding or even diving injuries into swimming pools. A spinal cord injury normally starts with a traumatic blow to the spine that fractures or dislocates your spinal vertebrae. Bone fragments, dismaterial, or ligaments bruise and tear into the spinal cord tissue. This can crush and destroy the nerve cells that carry cells up and down the spinal cord between the brain and the rest the body. Emergency care for people with spinal cord injuries is...

Continue reading

I have just filed my claim for long term disability benefits. What happens next?

I have just filed my claim for long term disability benefits. What happens next? The long term disability adjuster will be assigned to your claim and will contact you in writing or by phone. You should not deal with the adjsuter without having a lawyer. St. Petersburg, Florida disability lawyer Nancy Cavey has written extensively about the mistakes you can make dealing with a long term disability insurance adjsuter. Yes, I know you think it is just a phone call and that you can handle a call from the disability insurance company. WRONG! You can read...

Continue reading

I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do?

I have filed my claim for long term disability benefits and the long insurance term disability insurance company is calling. What should I do? The Law Office of Cavey and Barrett are highly experienced long term disability/ERISA attorneys. Nancy Cavey has written a number of blog posts on what you should do when the long term disability carrier calls you. Remember, this is not a social call. The last thing Tampa Bay disability lawyer Nancy Cavey suggests you do is to speak with a long term disability adjsuter. You may innocently say something that could...

Continue reading

Medicare Eligibility and Your Social Security Disability Benefits

Did You Know Medicare Eligibility is One of the Most Important Benefits in Receiving Social Security Disability? You become eligible for Medicare coverage 24 months after the Social Security Administration finds that you are entitled to monthly Social Security Disability benefits. It doesn’t matter how old you are! Medicare is a federally funded health insurance program for people age 65 and older as well as those with disability. As a Social Security Disability beneficiary you become automatically eligible for Medicare after a 24 month waiting period. The longer you delay in applying for Social Security...

Continue reading